Hi,
20 MM is a mile, take in account all the other things that have been mentioned and it could feel further because it is.
Yes you could tolerate it, but why operate at that much extreme, the effect on knee angle will be great.
I.M.O. all other things being equal, 5MM is about the range that will not affect performance that much and limit over / under movement of leg components.
Off road is intermittent effort, but will depend on time in out the saddle.
Reach ( furthest reach available, that is how far forward can you get)
BB from ground, how are you measuring handle bar height.....?
Setback saddle nose ( adult saddles tend to be 280 MM long, so saddle nose is ok normally.
Different saddles, even same model saddles are a wee different.
Q factor, although in time you can accommodate variation.
I agree that crank length if stack is same of pedal and shoe, you should go from BB not pedal.
It matters more the harder you ride, so laid back riding will not affect you that much.
I am thinking of a jig rather than that tedious rechecking with rule a bit / 's of wood (I use too) and don't forget your glasses
That's the problem with several bikes.
Saddle height is probably the biggest killer of all.
If you are struggling with saddle height whether by feel of just setting with rule and you still have problems (I have) then it probably more likely small errors in pedal shoes feet, whether dimensional or ergonomic / lack of subtleness in below the knee muscles and joints.
I do daily calf stretches, keeps lower leg subtle and wards off tendentious.